Money is always an issue. It doesn’t matter how much or how little you have, you always want more. For most people, the issue is that you want to save money to use for something else, such as retirement, a rainy day fund, or even a lavish trip. This is all possible, as long as you can save the money to get it. Instead of giving up on your goal, you can easily save money when you put in the effort and know what you’re doing. Take a look at the following five great tips for saving money, and then get to work.

1. Create a budget.

In order to save money, you need to have an idea of your finances. To do this, you need to create a budget. Use a spreadsheet and mark down what you bring in (income) vs what you pay out (expenses). Then, find ways to budget from this information. For instance, are you paying too much on dining out? If so, give yourself a limit and put the other money somewhere else, such as paying off debt. When you have a better idea of how your finances work, you can work harder to control them in a way that helps you save.

2. Move.

If you are house poor, you should consider moving into a home that you can better afford. This may mean moving to a cheaper area, or it could mean downsizing to a smaller location. It’s amazing what you may be throwing away at rent or a mortgage if you’re struggling to make ends meet. Take some time to go through your budget, determine exactly what you can afford for housing, and then find the right place for you to move. If you find yourself having to move in a limited amount of time, expert movers can help you get the job done quickly and efficiently.

3. Avoid credit cards.

Credit cards, loans, and any other type of debt can make it hard for you to be successful financially. Make it a point to avoid credit cards at all costs, no matter how good their interest rates or perks may be. Before you apply for loans, you need to be aware the damage they can do to your finances by creating something you need to pay back. Instead, try to pay off your credit card debt and then put that money into a savings account.

4. Live within your means.

Far too many of us live outside of our means, and this creates money problems. If you can get by with one car, do it. If you can live in a smaller house, do it. If you can deal with an older phone instead of upgrading to the newest model, do it. All of these extremities cost money, and it can be hard for you to make ends meet if you keep living outside of your budget.

5. Make excess money untouchable.

Every now and then, you’ll come across money you weren’t expecting. For instance, maybe you sell a car you no longer use, or maybe you get a nice bonus at work. When this happens, put this money in a bank account that is not linked to your current bank account, and do not take out checks or a debit card for that account. In fact, simply forget that it’s there, except for when it comes time to putting money into it. This money can be used at a later date as a rainy day fund or for retirement. When you don’t remember that it’s there, it’s harder for you to spend.

Saving money will not be easy, but it’s also not impossible. When you use these tips, you’ll have an easier time putting money aside to use for whatever you want.